WHAT WE ALL HATE BUT DESPERATELY NEED...

[@RVOddCouple]

Those who write the contract usually win. Attorneys write these contracts and Agents are paid to understand them. Get an Agent with integrity who understands RV insurance: bit.ly/RVOCInsurance

[@kenp9469]

Yes, there are sure a lot of loopholes. You pretty much covered them all. One thing you sort of mentioned, but some may have missed it. Anytime anything changes. Notify your insurance. Added, or replaced an air conditioner. Notify them. Notify them on any major appliance change. Even notify them, if you change your towing set up. You guys are doing a really great job.

[@fredricunderhill204]

I put that in caps in my other I’m post. Look for ZEALOUS. 👍

[@RVOddCouple]

Great point Ken! We missed notification of any changes. Thank you 😊

[@RVOddCouple]

👍

[@tomoneil8584]

John and Mercedes. We found i had major heart issues at 45. It shook our world. Its not cancer but also makes you reconsider your life, legacy etc. All you can do is appreciate each day, all you have been given and those around you. Live one day at a time and always look well into the future. You got this!

[@RVOddCouple]

Thank you Tom❤️ ODAT

[@borderlandstacker6127]

I wanted to thank you both for your amazing videos! My wife and I just bought a RV for her to stay in for her last year of Nursing school. Being away from home living in the trailer for 18 months is stressful but you guys and the info you share has made it soooo much better! Thank you so much! -Eric Krznarich.

[@irabkr]

We full timed for 30 years. I had good Sam for the last 20 year with no issues. Had 4 claims paid with no questions.

[@roydavis2242]

I sold insurance years ago and have kept up somewhat, yet I have an agent. A good agent is your best advocate.

[@RVOddCouple]

100% true

[@WolfFlower]

We watched your video about insurance. I want to thank you guys so very much. When my husband showed me the video, I called Marty and he immediately helped us with our RV insurance! We were switched over that very day! He was very informative and touched all the bases with us. I can't thank both of you enough! Our eyes were blinded until we watched your video. Thank you, thank you, thank you! Keep your videos coming, we love to watch them!!!

[@johnmcclean7390]

Great video as always, straight content. Issue.... Have you told your Truck insurer you have installed a 5th wheel and given them a value ? or the car dolly behind your motorhome ? They need to be covered for liability as well as the value as they are often put in storage or stored behind the parked unit. Kid rides his bike into it. How is it covered ? How are you protected. or the extra GPS and camera units in the truck or RV, who is covering them of the truck or RV is stolen they are part of the truck if they are mounted. In Ontario the optional equipment is usually only covered for $1500.00 in a Truck. I am a Broker in Ontario Canada and most of the companies that offer stand alone RV insurance offer a rider for new units REPLACEMENT COST COVERAGE (SOME FOR UP TO 10 YEARS). They require a bill of sale and a list of items you have added to the unit on the bill of sale. If you added a washer/dryer provide a bill of sale and pictures showing it was installed. This also applies to Solar equipment $$$$$$, Generators $$$$ now bolted into the unit. Remember you need to be able to get another unit. Also note that the bill of sale will show the (SALE) purchase price and the tax paid. However I tell my clients to go by the MSRP (AT THE TOP OF THE BILL- PRIOR TO ANY DISCOUNTS - TRADE IN VALUE) add the extras purchased the add the tax to get the actual replacement cost. Paying a extra $50.00 a year could save thousands of dollars. The other item you mentioned was extra expense coverage. Here it's 10% of the insured value, so not a lot of coverage. That can also be increased with most companies. IF YOU REQUEST IT. Insurance coverage in Ontario is very expensive and getting half of what you think you should get because you were cheap, that it won't happen to you, really haven't we seen all the videos. I travel with a guy that has his RV on a car policy, he won't insure it with me as I am twice the price. I hope he never has a claim as he placed it with a direct company, wonder whom he will call if something happens. We also disclose how long we are in the USA for a snowbirds. They know I answer calls and process documents from my trailer for clients. FYI if a insurance company in Ontario Canada fails to settle a claim here in 30 days you can request the Ontario Government step in as well as other consumer safe guards that are in place to deal with insurance claims. Bottom line is you get what you paid for !

[@waynelytton7517]

I had USAA and had no problems at all with them replacing my roof when I went under a low hanging limb. The thing I would like to alert you to is that when anyone stops going up and down the road and places their RV in a permanent spot in a campground year round they may not be covered. Thankfully we didn't learn this the hard way ,but found out that because we were not on the road we were not covered. Thankfully for us there was an Insurance Agent in the Campground who knows about this problem and was able to get us a policy tailored to our specific needs. Good job on this video and keep things coming

[@droningharry]

I'm truly ignorant on this issue and have not given it much thought glad you made this video for us. I reached out to the RV ODD SQUAD in the hopes they could at least give some guidance to help. Thanks so much!

[@finned958]

In any big city, there’s an uninsured motorist. I had this claim many years ago. You need coverage for rental vehicle while your vehicle is in the shop.

[@CS-in3pg]

Bless your hearts, it looks to me that you've found a Ministry and a way to serve.

[@bfreerv]

I talked with Marty, he couldn't cover me in New Hampshire, but he did direct me to Progressive and reviewed my policy, and approved it before I agreed to it. That alone made me feel good about the policy I was buying. I would recommend Marty to everyone.

[@ftkinsella]

Well there you go, you just proved it. You guys are the best RV couple/family in the RV/Utube community full Stop. You two came out of nowhere and you have made tons of mistakes (sorry) but you know it’s true and you are now out here helping other RVERS in so many different ways. Great how to videos, Tips for newbies and RV education for all. Anyone who wants help need only ask. The RV Oddsquad is a blessing. Hi Sage! ❤️🇨🇦❤️ Cheers!!!

[@RVOddCouple]

Hey F&T💚💚💚 we feel so blessed to be living the life we’ve always dreamed about and love helping as many as we can by sharing our experiences. I think we may just about every possible mistake we could😂 We are very grateful to have people like you on our journey. God bless you and yours and I hope someone day we can meet you

[@ftkinsella]

@@RVOddCouple one day, I’m still praying that I can get on the road one day. 🙏🇨🇦🙏 Cheers!!!

[@davidjesse5521]

As you know I’m a truck driver , saw yesterday a rv accident and your video came to mind , he jack knife his trailer , twisted the hitch , caught the tailgate and the atv was damaged and your video came to mind . I just think his storm is starting . The other on insurance , is floods , fires , tree limbs blowing onto your rv , tornadoes , hail damage . Also talk about the trailer your hauling your tow behind , tow dolly or the trailer, how do you put that on your insurance . Keeping maintenance records to prove your keeping things in good condition keep up the great work on informing the newbie rv people

[@aldntn]

Photos are great: include nameplates. I made a spreadsheet of items stolen (house burglary) replacement cost and the insurance company's multipliers. The insurance company estimate shorted me $500. I showed them my indisputable math and got the $500. It was a lot of work and took over a month.

[@maryanngeyer3364]

Taking pictures and or videos is great. My husband was in the military for 23+ yr. and we always took pictures, and had a log of everything we bought, when and where (with the receipts, now we take pictures of receipts) through the years. This save us many times when we had to make a claims.

[@RVOddCouple]

Thank you for your Families Service Marryann

[@frankwhite2650]

In some states, you can hire a certified public adjuster. They work for a percentage of the settlement, usually 5%. Extreme case but makes a point. An old Masonic Hall in Seattle was hit by arson. The insurance company offered $225,000. The CPA pointed out the building was built with "real" 2x4, 2x6, etc, ie full 2". That was what the insurance company had insured and the settlement ended up at nearly seven figures. That CPA had a crew who would inventory the contents of a home down to a box of toothpicks.

[@johnhackleman7448]

If Florida is your domicile and you break or crack your A class RV wind shield there is a Florida State or Florida insurance fund that truckers have been required to finance that will pay for window replacement. Ours was between 4 to 5 thousand dollars.

[@kratz57x]

John and Mercedes... dragonslayers! ❤️ Most of what I know about insurance is through my Dad. After he retired from the Navy in '72, went through training and took a job as an adjuster. His conscience made him quit less than three months later. Each and every point is SPOT ON, especially having an agent and photographing EVERYTHING. Insurance is one of those things we all hate but desperately need (maybe it should be "death, taxes and insurance"). Unfortunately many people are looking for a bargain and have forgotten "you get what you pay for", or are fooling themselves thinking "that will never happen to me". Thanks for all you do!!!

[@lrobie123]

I recall the same about the adjuster job when friends went into that job some years out of high school. They lasted less than a year at being an adjuster. Simply could not handle the denying claims part

[@cajunyaya5579]

I worked my way up to claims manager in an ins agency in the late 80s. I didn't last long! Some agents aren't thorough leaving clients to assume they are fully covered. It was heartbreaking explaining to elderly that in Paragraph 5 Section 2 it indicated there is no coverage. When for a few more dollars coverage could have been supplied. Great video. This is valuable information.

[@arbonneladyTN]

My dad retired from the Navy in ‘72!! He decided insurance wasn’t for him, so he got a realtors license... then he found they were no better at being ethical ,so he quit that. He then went to work as a VP with his brother’s company supplying stuff for wine industry just north of us in Napa etc... he said “ Everybody likes good wine 🍷 “. Very little unethical people there!💁🏻‍♀️

[@kratz57x]

@@arbonneladyTN Still look through my Dad's cruise books from time to time! Dad's "gift of gab" finally landed him in maintenance management. He's the guy tenants called at o'dark thirty to get something fixed because the landlords couldn't be bothered. Worked out really well for the folks. Mom managed one of the Apt complexes, Dad ran maint mngt for the group, they got a really nice apartment rent free and a salary, and of course they had full Navy retiree benefits - all their medical care was done at Balboa in San Diego. He ended up with a locksmithing and security system business before ultimately retiring. I miss them both.

[@kingofthedots3835]

I've decided against becoming an RVer 🤢....I decided to live vicariously through you guys ....Please don't charge me !😂😂😂

[@RVOddCouple]

Never say never LOL...Happy to know that we helped you make an informed decision about the RV lifestyle

[@leighmchenry9118]

Other than your detailed safety video, I think this is probably the most important video you have ever put out. Thank you for taking the time to do so.

[@scottnicholson4512]

Hi, I am an independent insurance adjuster, It is heartbreaking in my job I see so many people who are under insured or do not the right coverage or do not have the coverage they think they have for their RV and/or vehicle's. A good agent is a must, also many ins companies have switched to "virtual appraisals" which are always low balled. In most states you can request an eyes on inspection, a big tip is to do your homework before the appraiser arrives.

[@RVOddCouple]

What great tips!!! Thank you Scott 😊👍

[@scottnicholson4512]

@@RVOddCouple one of these days I am going to write up some specific pit falls in the Insurance industry that folks get caught in. I did post a specific one about snow load damage and the resulting in water damage that is not covered on many policy's (things that happen oftenhere in the Northern tier states) on RVillage a few weeks ago. By the way Great Video.

[@RVOddCouple]

@@scottnicholson4512 We’d love to collaborate with you on this to help our Members. Shoot us an email if you can help. Thank you Scott

[@Hard_Car_Life]

I didn't even own an RV and thought this was great information! Thanks y'all!

[@craiglenhard-rvrguyd]

I got a call that my new RV would be ready for pick up next week so I started shopping for insurance. Got quotes from RVOC insurance and Erie with whom I have all my coverages. At the end of the day for the same coverage Erie was Half the price for identical coverage. It definitely is worth shopping around especially if you have been with one insurer a long time in which case you might have discounts applied especially if you have no claims.

[@martymain1907]

Windshield replacement can be a problem if you do it too often. We had about eight windshield replacement claims across three vehicles in a four year period. When we went shopping for RV insurance for our HDT (big rig truck) hauler and 5th wheel trailer, some companies (not all) wouldn't even quote us. Recently, we just had a small crack on our Jeep's windshield which we paid $60 out of pocket for preventative repair. And now our daughter's car (that we co-own) developed a crack overnight and we're considering paying out of pocket on this too. No Bueno.

[@georgefrudakis1511]

Great video. This helps not only the newbies but the veterans as well. sometimes we just forget to do all the items you listed. thank you for the help. I will call them tomeorrow.

[@beckyelliott2871]

How do I know if I am getting the right coverage level for my vehicle? Can I get an itemized statement of EXACTLY what I need and what is covered and what is not? I am hoping to get a used Ford Transit Cargo van for camping and personal travel. NO BUSINESS USE (YT video, or commercial hauling, etc), but will have full coverage for interior possessions as well as mechanical, medical, etc, Will I need to document every single item and it’s cost of what it took to complete the interior, etc? Can you give names of insurance companies to AVOID or RECOMMEND and why ot? Do I simply say that the vehicle will be used ONLY personal travel?

[@Blessed_365]

I've watched your videos last night, made me cry and all of sudden I am really thinking serious about living financial freedom by doing fulltime RVing. You guys really tell it like it is and I really appreciate your honesty. Wishing you guys all the best!!

[@NoOrdinaryPath]

Great info guys. This is something we've never really dug into but probably need to.

[@robmags5781]

Thank you for making this video. I didn't really go over my policy in depth when we purchased our RV this past February. I will be going over it now. Fortunately i do have an agent that I can speak to and not just a person on the other end of an 800 number.

[@dewholdingsllc1050]

Thanks for the information. Yes insured must make full disclosure when shopping for coverage. In addition on boat and RV policies I only purchase “agreed value “ policy. Not ACV (actual cash value) policy such as a motor vehicle policy. If I were financing the RV I would opt for a gap or full replacement policy or at a minimum loan payoff policy. Also opt for purchasing endorsements that cover electronic equipment or other expensive gear that the base policy may not cover. Finally, when you get a new policy read it! Maybe boring but it is the contract with the carrier and you need to know what the terms and conditions are.

[@RVOddCouple]

Exactly right! Simple and to the point! Thank you

[@arbonneladyTN]

A few years ago our TT was totaled by a tree at a Nashville KOA! It was on their land, but their fence was placed on the ‘inside’ of it. Soooo they took no responsibility! Our insurance with USAA (after I sent them our pictures) did us well. The problem came with their hired estimater who showed up when we weren’t there, didn’t see I left the door unlocked for him to look inside, he didn’t have a ladder, and only looked at the front! The massive tree landed on the slide, blew the rig off its jack pads, busted down the cabinets over our bed, and the rest of the tree landed on the front of the rig. The jerk showed up and only looked at the front, he told USAA it was a 1200 FIX!!! When they called me I was ticked! So I sent my pictures of the inside too!

[@davefox8948]

You Two have become real Gurus of the RV Life. This is Life Saving info. Thanks again for all that you do! Safe Travels-

[@RVOddCouple]

Not sure about Guru but we sure have made a lot of mistakes. We feel purpose in helping others not make the same mistakes...thank you😊

[@j-me5820]

When doing your video inventory, when possible, get the plate that shows the model/serial number of things. That makes it definite no argument about what kind of generator you have (or whatever).

[@dewholdingsllc1050]

April 6, 2021, just ran out to Costco near me and had to watch a RV owner with NJ tags pulling his very tall RV trailer through the parking lot that has many large live oak trees and he took off the ladder to the roof which was on the driver’s side because it’s a long toy hauler. Almost took off the roof AC. Ouch! Lesson is slow down and don’t get close to tree branches in parking lots.

[@nealmcguire137]

We had a limb go thru our roof which made about a 2in hole and the first estimate was for 3200 which we didn't take and finally settle for 8500 for a new roof but must say the insurance didn't really bulk at it. This was a great video

[@RVOddCouple]

We love helping Neal.Glad it worked out

[@virginialemm864]

THANK YOU! THANK YOU! THANK YOU!...this information is very important. Ya know,I had to ask Tim do we have this, do we have that covered for our “Lucy.”? There are several things we aren’t sure about, but we DO know our insurance will cover full replacement cost if she’s totalled. Definitely do NOT go cheap. Years ago we had AAA insurance. We had a tiny roll-in-the-bumper parked in front of our house. The bumper fell off because the bent COAT HANGER holding it up broke! They charged $96.00 to our insurance for the “repair.” Funny, our insurance premium went up exactly $96.00. 🤔. Watch who you are insured with AND what EXACTLY you’re covered for. Like your friends, you won’t find out until you file a claim, and then it’s too late. JOHN!!!...you and Tim are so much alike. He can’t STAND insurance. He feels you pay and pay and all they do is collect premiums. But they don’t come through when you do file a claim. Thanks again for this very informative video! Love you guys, Virginia. ❤️

[@jgutz347]

Heya- signed up for full timer insurance with Marty (Charlotte Insurance) after watching your first video. Nothing but professional and knowledgeable. Just bought a new Class A and again used them. This time we dealt with Clark. They both made the process painless and enjoyable. Rates were extremely fair. Everyone, please protect yourselves and your rigs properly. Thanks for informative videos!

[@lloyddillon2270]

Your "bonus" hint is excellent. Pictoral documentation of the rv, the tow vehicle, the tow'd, the extras. BUT, do this annually at least or when there's significant changes. Having pictures 3 months old is so much better than pictures 3 years old. Thanks for all your hints.

[@patmoloney8984]

Good video as I'm signing up for RV insurance for our new rig tomorrow. Watched your July video on insurance also. Learned a lot. Thank you!

[@RVOddCouple]

We love helping whenever we can Pat. Congratulations on the new Reagan please let us know how it goes

[@davidjesse5521]

Look at the video of flooding in Nashville and the rv in the parking lot . Can you ask about flood insurance . That rv is toast or filled with water

[@dennisfleming5095]

We aren't actually on the road full time yet, but I called my insurance company the other day and asked them about coverage for us when we go full time. They said they can't do that. I'm glad I asked! We had seen your previous video about insurance, so the first thing I did was find your website to get the contact info for Charlotte Insurance. I talked to Clark, and we're going to be working with him. Good tips in this video. We'll be doing the photo record of our rig and the contents. Thanks for all you do!

[@sdeaglefeather]

Great info. I made a claim (a 12,000. dollar claim) 3 mos into my brand new class A. It doubled my insurance. Just last week I made another claim, the Progressive claim rep estimated it at 1,250. dollars (give me a break!) that is what replacing one awning would be but he thinks the one arm of the awning and patching the tear would cost. The said the end cap could be hammered and screwed in, without knowing if there is any underlying damage. I could go on and on! Anyhow, I sent the photos to my contact at Winnebago and their estimate came back more than double without actually seeing the RV! While I was making my claim I was talking about the policy which allows you to claim the purchase price or current value of the RV if it is totaled. The purchase price coverage is only good for 3 years past the date of manufacturing of the CHASSIS. Regarding the dings in the windshield, if you have more than 3 dings it has to be replaced. You can opt to not have it done they remind you that you are on a recorded line. I paid out of pocket to have 3 of the 6 dings repaired but just those 3 dings get included in the 6 dings that I have. The window has been ordered and the total is around 3600. dollars. 🤨 Always something with these RVs 🤔 Happy Tuesday. (Formerly Ole, Lena and the RV)

[@jeffjohanning2166]

Thank you so much for this video. It gives us all pause to evaluate where we’re at with coverage. I don’t understand the negative thumb downs you received (from the industry?)

[@RVOddCouple]

Happy to help Jeff. We had a lot of thumbs down every week LOL

[@AcmeRacing]

I bought an old worthless trailer and rebuilt it. It's comfortable, dry and fully functional. No insurance company would give me diddly for it if it got stolen or destroyed. Someday if I ever own a rig I have to finance this will be valuable information.

[@ready2roamrv289]

EXCELLENT info! Thank you so much!

[@nichollerockwell5100]

Thank you for telling people to be honest. Some people think they are getting away with something & then get mad at us when a claim is denied. We had someone not tell us he was a full timer. RV got totaled. He didn’t get hardly anything because of it. Goes for auto insurance, too.

[@RVOddCouple]

Honesty is always the best policy :-)

[@lyfandeth]

Tip #1, call your city or state insurance commission. The insurer may be required to evaluate your rig in specific ways, within a specific area and time. And the insurers will grossly violate those rules. Until you ask for the details and remind them, "the insurance commission specifically told me that's illegal'. All of a sudden, things change. Especially if you've been recording the calls, or have everything in writing.

[@barackmycat9448]

Always honest advice from you guys........

[@SarahCapelesOficial]

Vacation liability insurance!!! Never heard of it but will be calling my agent tomorrow and getting it! Thank you guys! You are awesome. WEPAAA!!

[@janeforever]

We had an accident with our truck (not related to our RV) & our St*** F**m agent never called abt a thing; only contacts us when they want to review policy, never calls & says rates going up. We just get sticker shock when renewal comes. Will definitely have to check out your ins agent before our next renewals coming up this summer. (& what's great they're licensed in where we live now & where we're moving to👍). Thanks for sharing ALL this info (& including us part timers.) So glad I never miss your YT videos.

[@RVOddCouple]

That’s horrible! Happy to help Jane. All 150+ Members who have switched to Charlotte are very happy 😃

[@jillbazan281]

Thank you, thank you, thank you!!! I can’t even tell you how much you have help me with important information. The episode on driving a 5th wheel helped my husband and I admit we really weren’t comfortable so we traded it in for a 30ft class A. My husband is happier now. We were more informed on insurance. Then I just heard this blog so I’m going back and checking our policy. So much great information!!!?

[@sherylcammarato5661]

One thing to add to international travel. I RV in Mexico and not only do you need to have your American policy cover Mexico, but you MUST get a Mexican insurance policy -- at least liability (even though you already have it with your existing policy). And make sure it includes "legal" and make sure it gives you the policy in Spanish and English.

[@archerg4608]

The two of you have my utmost respect and gratitude!!! Thanks for keeping it real.

[@paulblack1799]

Awwww c'mon. This wasn't an adventure video with breathtaking views of gorgeous landscapes and herds of wildebeest roaming the veldt. At least you found a way to get Sage to take a nap; lecture her on insurance policies. 😁 I guess service isn't sexy, but I'm still glad that you do it. Thanks.

[@TapIntoAlignment]

🤔

[@leclark9254]

This is an eye opening video thanks. I'll be looking at my insurance now.

[@timmurr1672]

If you buy an RV you should always buy replacement coverage it cost a little more but well worth the cost.

[@jerry8mm]

Recently someone ran a red light and totaled my toad (it wasn't connected to the RV at the time). It was the other driver's fault, but Marty helped me through the claims process. Charlotte Insurance is great.

[@RVOddCouple]

Hope your ok Gerry. Talk soon 💚

[@cherylg.3465]

Here is a suggestion for you: do a video breaking down all the costs line detail of what you need to insure and the costs for each one and total it and give rough very rough estimate of monthly premium.

[@donnaschindlbeck7457]

Wonderful information! My sister lost her RV due to an electrical fire last year. Their settlement was very disappointing for them.

[@RVOddCouple]

Sorry to hear this Donna

[@audreytheginger]

We wanted to get the Charlotte Insurance so badly! Unfortunately their underwriters do not like Arkansas. The rate they quoted us was awful, it was more per month than our 4 bedroom 3 bathroom house payment. The agent said he was embarrassed to even tell us the number, but he was very kind and offered to look over our plan with whatever company we did end up going with and make sure the coverage was strong. Hopefully they will start covering Arkansas better soon! Would love to go with a company that really knows RVs

[@vickienelson2307]

Neighbors tree fell on my trailer.it did 13,000 in damage.progressive was out the same day.they went to repair shop and worked with them.first trip out we realized that all the jacks was busted.took the trailer back and insurance cut another check.2 yrs later slide out tipped down a few inches.a repair shop came out and said I don’t know how that top support beam got bent but there is no damage to the roof.after I sent pictures of where the tree landed and it all lined up.that was a 5,000 dollar charge.progressive was there.

[@tracyschannel9648]

This is the much needed info cause we don't think about it till whoops, then it's all nail biting and hair pulling time. Thanks Guys.

[@RVOddCouple]

Happy to help Tracy :-)

[@digger105337]

Content coverage is tuff to get over 15k. I had to go round and round to get 20k worth. Home content coverage of 20k is minimum in some markets. Don't forget full-time ers coverage.

[@lcinflorida8728]

I have one critical word... YIKES!! Ty for the info. I truly appreciate you!!!

[@Ournotsoperfectlife]

This is a great video and very timely for us as a channel. We are soooo close to monetizing and knowing how they payout the insurance based on a business is a HUGE TIP for many. Thanks John and Mercedes!

[@RVOddCouple]

Always happy to help. Looking forward to talking with you two😊👍

[@Ournotsoperfectlife]

Same!! Can’t wait! 😃😮😊

[@rvscootin3457]

I actually paid a little bit more for my insurance. It was through a big national company. And I ended up with a lot more coverage than I would’ve. So definitely remember you get what you pay for.

[@AndrewEllisAndymanout]

You guys are a God send to the RV community!

[@agm6095]

Thanks for all the information. Full disclosure is the best policy.

[@georgefrudakis1511]

Just completed my insurance purchase with RVOC insurance. Saved me 685.00 per year and better coverage all the way around. Again thanks for the heads up. George

[@garylovio1180]

An absolutely wonderful update J & M. Thank you so much! I’ve been in touch with Marty and he will be our agent of record. Again , thank you for all you do. Prayers.

[@richardkoch8752]

Another great video of great service. Another thing is, if you have and better have replacement value on your insurance and your adjuster low balls you.....tell them to go find one just like you had in the same condition. This works on cars also. If they're going to repair it in most states you have the right to stipulate who will repair it. I really worry about the current trend of windshields on the front of travel trailers. They are expensive.....make sure they're covered also. Keep receipts on any improvements such as solar, satellite dishes etc besides the video documentation. There are good companies out there but they are few. My wife worked at a claims office for a major insurance company that begins with a T. They were actually really fair with their claimants. I was actually surprised at some of the settlements that they made. Having a AGENT that you can actually talk to is the key. They know how to structure the needed coverage and when there is a claim they know how to work the system to get a better settlement. As a general rule anytime a RV's combination of frame, roof and axles get damaged push to have it totaled. If you need a new roof here is the guy to have it done: kzbin.info/www/bejne/o3a4no1qYt9keMmXommercial roof with a 20 year warranty. The material he uses is I believe 4 times thicker than the normal roof material. Loved the Insurance salesmen in black suits working over that opossum. Although I thought at first they were Camping World salesmen LOL!!! Love you guys! God Bless and keep up the good work!

[@RVOddCouple]

Great points! Love you back Richard💚

[@donh4750]

I've always wanted to get an RV, my wife doesn't like the cost. With that said I will check out the rvoc insurance for sure. And the picture documentation is a good idea for home owners also.

[@jimhanty8149]

Good advice guys... I think most RV insurance company adjusters were once salesmen at C**per World but found they could make more money sending out claim denial letters to the people who bought the RV. Same with boats... it’s all disgusting...

[@eileenfindley1683]

Funny thing we just got our renewal for nsurance for the RV. IT WENT UP $160.00 from last year. We've stayed home because of covid and life. We took it out for about 90 day hunt trip and they havecthe nerve to raise it. My husband said Flo lied bundle my ass..... Haha take care out there guys.

[@kklifecoach7585]

100% agree to video tape your rv.

[@RVOddCouple]

Always

[@CharmaineSilva777]

That is really great information. I didn't know much at all about RV insurance. We had decided to wait till 2022 to purchase the RV we want, so I am studying up. You guys are AWESOME!

[@sdeaglefeather]

@charmaine Silva They are soo knowledgeable about so many aspects of RVing and they research everything they speak of. Outstanding family!

[@kenknobel1125]

Charolette is not licensed in our state. Is there any other agency that you would recommend? I called our auto insurance and they had no idea what a 5th wheel was and could not answer questions like if the hitch, mudflaps, truck bed toolbox, tonneau cover and other items were covered or if they needed to be in a rider. Looking for other insurance at this time.

[@johnmackey3937]

I just decided to give up part-time rving before looking into insurance, will reconsider, have you thought of doing similar for those who need to use public storage? Looking at websites for outdoor covered parking space at approximately $200 or more monthly year round for some retirees gets expensive. Thanks for all you do.

[@arthurleslie9669]

I learned that last bonus tip years ago and know for sure how much of an asset video(s) or pictures can actually be when it comes to insurance. Bonus Tip: For anyone looking to make extra cash ... Offering video and/or scripted services to document home and RV possessions can be very lucrative. I was doing it years ago before cellphones were even invented. :)

[@RVOddCouple]

Very interesting Arthur

[@davidoverholt251]

How do you know you have a full time insurance agent that will cover all your needs?

[@Milesco]

I guess you hafta call Marty over at RV Odd Squad Insurance! 😋

[@randycanoy7606]

Thank you for sharing. Very good information. Will have to check our insurance out. Have fun, safe travels. We are currently out in our fifth wheel in Hoodsport Washington. Love living in our fifth wheel.

[@stevekozel5253]

Thank you so much for passing on your knowledge and experience to the rest of us.

[@RVOddCouple]

We love helping Steve😃 Thank you for the support

[@ronwiejaczka8635]

Great advice, I always had an insurance agent and replace my windshield twice on the RV.

[@RVOddCouple]

👍👍👍

[@stevewildman1045]

We had bought glass coverages for our class a and we lost a windshield in Texas from a flatbed dropping a fist sized rock, he passed us and then cut us off at 70 mph. I slowed and the rock came off took one bounce and hit the drivers windshield and almost removed the windscreen. DO get full coverages for accidents because it took 2 weeks for the repair and they shipped the wrong glass. I took 6 months and a ton of calls to get the 2nd glass in and our claim settled. We could had and should had used our coverage for room and board and secure storage for our class a. IF it happens again I will. I had to duct tape the windshield in place to keep it from falling out so it was unsafe to drive. We were lucky we limped into a free city campground that bad full hook ups for 3 days at that time in Elk City. I spoke to the city manager of Parks asking him which private parks I should head to due to a 2 week wait and he told us to stay in our spot intil the glass was installed cost us nothing. That park now charges 15 bucks a night but is worth every penny. It's small 5 spots on a very nice city lake.

[@RVOddCouple]

Thank God there are good people and Communities left in the world

[@100percentliving]

In an video last year you mentioned Marty. We got several quotes from different agents and Marty was so helpful. We did alot of research on what to know, but still so much yo be aware of. He was so knowledgeable and completely walked us through. (Newbies)We went with him. Thank you for your great recommendation.

[@RVOddCouple]

We love hearing stories like this. We went through great lengths to make sure that Marty and Charlotte Insurance had high integrity. We have become very close friends with Marty and have no RV Odd Squad members who have been dissatisfied with the service so far. Thank you for sharing

[@lorialbrecht6792]

I didn't know half of this information. Thank you so much for this video. I think it's the first one I've ever seen on insurance. Y'all ROCK!!!

[@captroost1845]

Thanks guys for this information! I agree with John, It's the Insurance companies job to payout a little as possible. I was/am doing a lot of your suggestions but there were a couple I didn't think of which I am going to be taking care of right away! Thanks again guys you are doing a great job!

[@scotttunstall9513]

I had gap insurance on my travel trailer, so when I wound up totalling it, my insurance company paid off the trailer and then gave me the rest of the original price to buy another travel trailer.

[@fredricunderhill204]

A great believe in insurance, remember also the insurance company can be held criminally liable if the over pay a claim. Regretfully 1/3-1/2 of all claims are fraudulently created or inflated.

[@RVOddCouple]

Very true! This is why we need an Agent to explain what the contract says.

[@lrobie123]

another reason insurance premiums are what they are

[@Milesco]

An insurance company can be held criminally liable if they overpay on a claim? That doesn't even make sense. I don't know where you got that idea, but it's not true.

[@fredricunderhill204]

@@Milesco The charge could grow out of laws about complicity or accomplice after the fact as the money belongs to the stock holders.

[@Milesco]

@@fredricunderhill204 : If you're talking about a conspiracy by the corporate managers to rip off the company for their own benefit and use inflated insurance payouts as the mechanism for doing that, then yes. But that would be a major crime and a far cry from anything we've discussed here. And then it would be the corporate managers themselves, not the corporation, that would be criminally liable.

[@happyhome41]

Ok, I'm counting on you. Went to your site, and contacted Charlotte Insurance (actually Progressive policy). It was marginally more expensive than GEICO - so I'm counting on you. And almost as if y'all coached them -- Hector went down the list and was ticking every point on my list from your video. SCORE !

[@savtelly3817]

You are such a blessing. I haven’t started my rv journey yet, but I know I’ll avoid a lot of mistakes when I do because of you. Can you do a video of how “handy” you need to be to full time rv? Can “anyone” who owns a home/is sort of mechanically inclined jump in an rv full time? Are there places that can handle all the upkeep for you on the road like there are auto shops for cars? Thanks!

[@RVOddCouple]

Happy to help 😊👍 Great idea for a video. Thank you

[@savtelly3817]

Thanks!!! 🥰🙌🏾

[@g-man2045]

Since we keep it real here I did get a quote back from Marty's company. Unfortunately it was 400 higher that I currently pay. It was suggested that I get personal affects insurance to cover personal items in the camper. I felt this was unnecessary because these items would be covered on my homeowners. They replied back was better to have a claim with one policy on the trailer. My thought is if the items are covered on homeowners why double insure them. The quote I received was with progressive in the state of Texas. I am not an insurance expert, this was just my experience.

[@helenmallazzo7094]

I will be interested in getting insurance coverage thru Marty just as soon as I get my RV. Lol. But for now I have a question. Awhile back when I was taking my kids camping and was also moving horses around I was told by my insurance company that I didnt need separate insurance for either the pop up trailer or the horse trailer. That they were covered by the tow vehicle. As long as my truck was insured so were the trailers. I am not sure what coverage if any that these trailers would have today. This was about 20 years ago. Thanks guys, I appreciate your help. Give Sage a hug and kiss from me.

[@RVOddCouple]

Great question Helen! We assumed that they would not be covered but we will ask Marty. Sage sends a Hug back💚

[@Cathy-re2eo]

My Dad always had some kind of RV when my parents were getting older! I always have loved the idea! It won’t happen because my husband would worry too much! Though you guys are so good to the RV Odd Squad!

[@RVOddCouple]

RV Odd Squad has been great to us💚

[@gregoryjordan6522]

My wife used to transcribe for an insurance company. Hearing both sides of the accident, she could tell who was the insured and who wasn't. Here's a few tips if you are in an accident or some type of loss. 1. Never admit anything. Something as little as saying I'm sorry this happened to you is you the insurance says you are admitting it is your fault. 2. The take a video of your possessions is big. If they are stolen or damaged, you have VIDEO evidence. 3. Keep receipts of valuable items.

[@lrobie123]

this would be another good document for Mercedes to author and verified by the insurance agent. Document which details all the comments in your video and more about properly insuring the RV. the recent Budget document you made is a great resource

[@aaronmay5278]

Thank you for this video. I had no idea of the little things I was going to miss. When I get my RV they will be the first ones I call to get coverage. If it helps out the community I will make sure I contribute my part in helping.

[@thomasinglima3592]

Just bought a 5th wheel. Getting in 10 days. Yes you have to make sure you do your homework when getting insurance. You guys are awesome. Thanks for the great info. Tom & Cathy

[@RVOddCouple]

Congratulations! Happy to help Tom and Cathy 😊👍 Please let us know how it goes. Enjoy

[@Eaglerow77]

My wife doesn't drive. She carey's state I'D . THANK GOD. I seen her driving. No insurance company in their right mind would insure her. Lol. But she's a totally awesome lady. Great great video . Thanks for posting. Very helpful. You guy's better be there when I make a knucklehead mistake. Lol. When I make mistakes I make big ones. Lol.

[@jamey48]

Wow that was a lot of great information ! I never knew you had to get special coverage for parked RV'S ? Thanks again ! If I ever get my van conversion done, ill call your people !